3 tips for avoiding workers’ comp claim denial

On Behalf of | Nov 1, 2021 | Workers' compensation

If you have experienced a workplace accident and you need to take time off during your recovery, your company’s workers’ compensation policy may provide important benefits, including compensation for lost income, medical expenses, permanent disability and more.

Unfortunately, your employer’s insurance company may not approve your claim unless you follow certain specific steps.

1. Report your injury quickly

Whether you require emergency care or not, it is important to notify your employer soon after a workplace incident. Even a minor-seeming injury may get worse, especially if you try to continue working. Reporting an accident early establishes an official record and may help you avoid automatic denial due to missing Florida’s strict notification deadline for WC injuries.

2. See an approved doctor

In Florida, you must visit an employer or insurer-approved physician to remain eligible for WC benefits.

If you need emergency treatment and your employer is not available to tell you where to seek approved care, you may visit the nearest ER. However, you may have to see an authorized provider if you need further treatment and want to pursue a WC claim.

3. Let the doctor know that your injury was work-related

From the emergency room to follow-up appointments, make sure to let health care providers know that your injury happened on the job. To remain eligible for benefits, make sure to keep your appointments and follow recommended treatments.

The insurance company may deny your initial workers’ compensation claim. However, an initial rejection may not mean that you are ineligible for WC coverage. With better documentation and preparation, workers may be able to receive benefits by filing a petition with the Employee Assistance Office of the Division of Workers’ Compensation or with the Office of the Judges of Compensation Claims.